Cheap Car Insurance in Waco, Texas ( With 2024 Rates)

Home » Car insurance » Texas » Cheap Car Insurance Waco

Lowest Premium

$318 / YEAR

Average Premium

$489 / YEAR

Highest Premium

$685 / YEAR

50/100/50 (minimum liability) ⓘ How the premiums are calculated

The average annual premium in Waco is around $489 and can go upto $685. This is for a 30 year old female buying 50/100/50 coverage which is considered as the minimum liability.

Texas Car Insurance Minimum Requirement by Law

As per the Department of Public Safety in the state requires a minimum of 30/60/25 as explained below:

$30,000 coverage for all types of bodily injury suffered by one individual in one accident
Bodily injury suffered by two or more people is $60,000. The amount is the same for deaths of two or more people caused by one accident
Damage to property or injury to others in one accident is $25,000.

Best Car Insurance Companies in Texas and Rates Offered

The cheapest car insurance rates in the state is provided by Geico Insurance followed by Farmers Insurance. But the major players are State Farm, Progressive and Farmers insurance in order.

Company	Annual premium (50/100/50)	Market share	Complaints
Geico	$350	6.00% ($1,151,485,019)	1
Farmers	$385	7.98% ($1,530,613,603)	2
State Farm	$390	16.03% ($3,074,590,659)	119
Allstate	$495	7.38% ($1,416,050,038)	4
Liberty Mutual	$550	4.36% ($836,938,040)	64
Progressive	$660	8.75% ($1,678,264,745)	0

Get a free quote from the best of 200+ companies in 90 seconds.

Find affordable car insurance in your city

We recommend you to get car insurance quote and compare rates before choosing an insurance plan. People save up to 50% on car insurance by using our comparison shopping.

Car Insurance Rates in Waco by ZIP codes

The table below lists the average insurance rates for 50/100/50 (minimum liability) accross the zip codes in Waco. We have omitted the zip codes that has same insurance rates. If your zip code is not listed in the table, please refer to the zip code near to you since the insurance rates will be same as of the neighbouring zip code.

Zip	Avg. Premium
76701	$462
76702	$506
76704	$470
76705	$468
76708	$494
76710	$489
76711	$461
76798	$467

Insurance Agents in Waco, TX and Near by

0 mi

Waco Tax Service and Insurance

2024 W Waco Dr Ste 2, Waco, TX 76701

(254) 230-9891

View |
0 mi

Texian Insurance Agency

2208 W Waco Dr, Waco, TX 76701

(254) 756-4242

View |
0 mi

Bailey Insurance & Risk Management

1201 Washington Ave, Waco, TX 76701

(254) 753-5317

View |
0 mi

John Zucha

1026 Washington Ave, Waco, TX 76701

(254) 753-5200

View |
0 mi

SIG - Lewis Insurance Group

801 Washington Ave Ste 417, Waco, TX 76701

(254) 753-2505

View |
0 mi

ANCO Insurance

605 Austin Ave Ste 5, Waco, TX 76701

(254) 752-2626

View |
0 mi

Insurors of Texas

225 S 5th St, Waco, TX 76701

(254) 759-3701

View |
0 mi

Isaiah Martinez

220 S 2nd St Ste 1, Waco, TX 76701

(254) 300-4636

View |
1.16 mi

Freeway Insurance

2425 W Waco Dr, Waco, TX 76707

(254) 985-6076

View |
1.16 mi

Carlos Diaz Insurance Agency

1216 N 25th St, Waco, TX 76707

(254) 752-1875

View |
1.16 mi

Watkins Insurance Group

3001 W Waco Dr Ste A, Waco, TX 76707

(254) 714-1300

View |
2.74 mi

ICA Insurance Agency

702 S Valley Mills Dr Apt C, Waco, TX 76711

(254) 752-3366

View |
2.74 mi

Texian Insurance Agency

3421 Memorial Dr, Waco, TX 76711

(254) 753-1063

View |
2.74 mi

Matt Dill

1000 S New Rd Ste 180, Waco, TX 76711

(254) 752-2022

View |
3.46 mi

Nitsche Group

329 W Highway 6 Ste A, Waco, TX 76710

(254) 420-3900

View |
3.46 mi

Regions Insurance

6801 Sanger Ave Ste 240, Waco, TX 76710

(800) 467-7617

View |
3.46 mi

Fitzhugh Insurance & Bonds

345 Owen Ln Ste 130, Waco, TX 76710

(254) 741-9599

View |
3.46 mi

Salinas Insurance Agency

345 Owen Ln Ste 129, Waco, TX 76710

(254) 741-0770

View |
3.46 mi

Paragon Independent Insurance Agency

6600 Sanger Ave Ste 2, Waco, TX 76710

(254) 235-5111

View |
3.46 mi

ISG - Libertas Insurance

6600 Sanger Ave Ste 9, Waco, TX 76710

(512) 761-6379

View |
3.46 mi

Mark Bailey

6515 Sanger Ave Ste 17, Waco, TX 76710

(254) 772-0060

View |
3.46 mi

Autopartners Insurance Agency

2510 W Waco Dr, Waco, TX 76710

(254) 296-2228

View |
3.46 mi

A-Max Auto Insurance

2500 W Waco Dr, Waco, TX 76710

(254) 752-8000

View |
3.46 mi

David Gonzales

2501 Franklin Ave, Waco, TX 76710

(254) 772-2631

View |
3.46 mi

Vista Insurance Agency

2800 W Waco Dr, Waco, TX 76710

(254) 230-4361

View |
3.46 mi

Mike McKenzie

2910 W Waco Dr, Waco, TX 76710

(254) 412-2327

View |
3.46 mi

Acceptance Auto Insurance

3609 W Waco Dr, Waco, TX 76710

(254) 537-0380

View |
3.46 mi

Insurors of TX General Agency

3701 W Waco Dr, Waco, TX 76710

(254) 756-3731

View |
3.46 mi

Baker and Carey Insurance Agency

3529 Bosque Blvd, Waco, TX 76710

(254) 752-2277

View |
3.46 mi

Henry Chase

3925 W Waco Dr Ste B, Waco, TX 76710

(254) 235-7619

View |
3.46 mi

Addax Insurance

719 N New Rd, Waco, TX 76710

(254) 732-4046

View |
3.46 mi

J & H Insurance Services

510 N Valley Mills Dr Ste 701, Waco, TX 76710

(254) 772-6074

View |
3.46 mi

Harry Cleveland

534 N New Rd, Waco, TX 76710

(254) 772-1111

View |
3.46 mi

Doug Buchanan

536 N New Rd, Waco, TX 76710

(254) 741-6565

View |
3.46 mi

Amco & Remco Insurance

737 N Valley Mills Dr, Waco, TX 76710

(254) 772-6300

View |
3.46 mi

Mark Sedberry

4600 Bosque Blvd, Waco, TX 76710

(254) 537-1049

View |
3.46 mi

Donald Rowan Insurance Agency

537 Westview Vlg, Waco, TX 76710

(254) 772-8728

View |
3.46 mi

Bart Romig

919 N Valley Mills Dr Ste A, Waco, TX 76710

(254) 772-5025

View |
3.46 mi

Terry Strickland

4949 Franklin Ave, Waco, TX 76710

(254) 776-7100

View |
3.46 mi

Jason Kirk

1201 Lake Air Dr Ste C, Waco, TX 76710

(254) 227-6555

View |
3.46 mi

Alan Rhea

4708 W Waco Dr, Waco, TX 76710

(254) 776-9595

View |
3.46 mi

Browder General Insurance Agency

4800 Lakewood Dr Ste 3, Waco, TX 76710

(254) 776-1582

View |
3.46 mi

John Michael Bull

1600 Lake Air Dr, Waco, TX 76710

(254) 772-0852

View |
3.46 mi

Glenn Cannon

4800 W Waco Dr Ste 102, Waco, TX 76710

(254) 732-1622

View |
3.46 mi

Texas First State Insurance Plus Agency

5001 Bosque Blvd, Waco, TX 76710

(254) 399-5109

View |
3.46 mi

Easley Insurance & Financial Services

5006 Lakeland Cir Ste 208, Waco, TX 76710

(254) 399-0600

View |
3.46 mi

Darlene Vise

5010 Lakeland Cir Ste C, Waco, TX 76710

(254) 227-0251

View |
3.46 mi

Nicole Omo

1515 Wooded Acres Dr, Waco, TX 76710

(254) 399-6565

View |
3.46 mi

The Insurance Center of Central Texas

2012 Lake Air Dr Ste B, Waco, TX 76710

(254) 776-1290

View |
3.46 mi

Direct General Auto Insurance

1428 Wooded Acres Dr Ste 110, Waco, TX 76710

(254) 399-6699

View |
3.46 mi

Jeffrey Pechacek

812 Lake Air Dr, Waco, TX 76710

(254) 776-1599

View |
3.46 mi

Blake Harrell

720 Lake Air Dr, Waco, TX 76710

(254) 772-0171

View |
3.46 mi

Keith Sanders

4201 Lake Shore Dr Ste F, Waco, TX 76710

(254) 235-8199

View |
3.46 mi

Joseph Morphis

1412 N Valley Mills Drive, Waco, TX 76710

(254) 776-0215

View |
3.46 mi

Richard Tyrone Allen

5601 Edmond Ave Ste E, Waco, TX 76710

(254) 339-9375

View |
3.46 mi

Robert Hyde

1838 N Valley Mills Dr, Waco, TX 76710

(254) 227-6558

View |
3.46 mi

Scott Everett

1838 N Valley Mills Dr, Waco, TX 76710

(254) 227-6553

View |
3.46 mi

Jeff Holder

1838 N Valley Mills Dr, Waco, TX 76710

(254) 227-6556

View |
3.46 mi

Steven Tindell

1838 N Valley Mills Dr, Waco, TX 76710

(254) 227-6550

View |
3.46 mi

Sue Berry

331 W Highway 6 Ste F, Waco, TX 76710

(254) 772-2040

View |
3.46 mi

Brian Hartley

331 W Highway 6 Ste F, Waco, TX 76710

(254) 741-0414

View |
3.46 mi

Steven Gereghty

2032a N Valley Mills Dr, Waco, TX 76710

(254) 741-9200

View |
3.46 mi

Goosehead Insurance - Jami Curry & Marla Holmes

7111 Bosque Blvd Ste 203, Waco, TX 76710

(254) 523-0301

View |
3.46 mi

Brazos Valley Insurance Agency

7111 Bosque Blvd Ste 202, Waco, TX 76710

(254) 751-0300

View |
3.46 mi

Integra Insurance Services

7215 Bosque Blvd Ste 120, Waco, TX 76710

(972) 786-3656

View |
5.73 mi

Waco Tax Service and Insurance

1206 N Loop 340 Ste B, Waco, TX 76705

(254) 799-2800

View |
5.73 mi

John Chappell

2507a Behrens Cir, Waco, TX 76705

(254) 339-1777

View |
5.73 mi

Matula Insurance Agency

2720 Bellmead Dr, Waco, TX 76705

(254) 799-9616

View |
5.73 mi

Direct General Auto Insurance

119 Eastgate Plz, Waco, TX 76705

(254) 523-3493

View |
6.53 mi

A-Max Auto Insurance

1706 S 19th St, Waco, TX 76706

(254) 753-2000

View |
6.53 mi

Herman Bell Insurance Agency

2118 La Salle Ave, Waco, TX 76706

(254) 756-0691

View |
6.53 mi

Amanda Barton

2125 S Valley Mills Dr, Waco, TX 76706

(254) 857-7277

View |
6.53 mi

Talbert West Agency

107 Meadowbrook St, Waco, TX 76706

(254) 715-3030

View |
6.53 mi

David Dickerson

505 N Robinson Dr, Waco, TX 76706

(254) 662-1958

View |
6.53 mi

TWFG Insurance Services - Brad Dixon

506 S Robinson Dr, Waco, TX 76706

(254) 776-1986

View |
6.53 mi

Bill Haddox Insurance

100 N Robinson Dr, Waco, TX 76706

(254) 662-4171

View |
6.72 mi

Rick Cummings

6801 Steinbeck Bend Dr, Waco, TX 76708

(254) 756-0130

View |
6.72 mi

Budget Auto Insurance

3801 N 22nd St, Waco, TX 76708

(254) 235-0515

View |
6.72 mi

Texas Farm Bureau Insurance

10201 China Spring Rd Ste 100, Waco, TX 76708

(254) 836-9893

View |
6.72 mi

Steve McCraw

10324 China Spring Rd Ste B, Waco, TX 76708

(254) 754-7677

View |

View all agents ↓

Learn More About Car Insurance in Waco, TX

Helpful Info on Texas Car Insurance

Here is a list of useful information regarding Texas car insurance and driving in Texas roads.

Total vehicles registered	24,527,939
Total uninsured motorists	14.1%
Estimated economic loss of all vehicle crashes	$38.4 billion

Sources: uninsured motorists, 2015, crash report, 2018

Different car insurance coverage options available in Texas

There are different coverages to protect your family and your car in the event of an accident. It is always better to have enough coverage to not incur any loss in such scenarios. Below is a list of coverages available in Texas state.

Liability covers for the payment to other car driver and car met by accident caused by you. Texas law requires you to have at least 30/60/25 coverage. This will cover for injuries $30,000 per person and $60,000 per accident. It also covers for property damage up to $25,000. It is better to have enough coverage than just having the minimum required 30/60/25 coverage to make sure all the losses are covered with your insurance.
Collision covers for the expenses on your car caused by accident.
Comprehensive covers your car cost if your car is stolen or damaged by fire, flood, vandalism.
Medical payments cover your's and your passenger's medical bills
Personal injury protection (PIP) coverage is similar to medical payments coverage but also covers for the loss of pay and other non-medical expenses caused by accident.
Uninsured/underinsured motorist covers for the damage to you and your car caused by an uninsured or underinsured motorist. This is required in Texas, but you can opt-out from this coverage.
Towing and labor covers for the pay for towing your car and labor cost.
Rental reimbursement covers the payment for rental car service used when your car which had an accident is being repaired.

Methodology

The insurance rates mentioned in this article is based on the average amount for a 30 year old female purchasing 50/100/50 ($50,000 for injury liability for one person, $100,000 for all injuries and $50,000 for property damage in an accident) liability car insurance coverage. The premium rate can be higher or lower than the rates specified depending on the type of coverage one may choose, deductibles applied and the discounts offered by insurance company.

Cheap Car Insurance in Waco, Texas (With 2024 Rates)